Cheap Quotes for Emmitsburg, MD Car Insurance (2021)

Emmitsburg, Maryland car insurance rates average $320 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Emmitsburg, MD companies, you can find cheap Emmitsburg car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Emmitsburg is Nationwide
  • Average car insurance rates in Emmitsburg, MD for senior drivers are $2,504/year
  • Average car insurance rates in Emmitsburg, MD are $320/month

How do the Emmitsburg, Maryland monthly average car insurance rates of $320/month compare to nearby cities like Annapolis car insurance rates, Salisbury car insurance rates, and Frederick car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Emmitsburg, MD.

We’ll cover the Maryland minimum coverage requirements, Maryland car insurance laws, and Emmitsburg, MD statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Emmitsburg, Maryland companies to find the most affordable Emmitsburg car insurance rates.

Enter your ZIP code above to find cheap Emmitsburg, MD car insurance quotes today.

What are the minimum Emmitsburg, MD car insurance requirements?

To meet Maryland minimum car insurance coverage requirements, Emmitsburg, MD drivers need to carry at least 30/60/15 coverage.

Minimum Required Car Insurance Coverage in Emmitsburg, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

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How do age, gender, and marital status affect Emmitsburg, MD car insurance rates?

Three of the criteria that most affect car insurance rates in Emmitsburg, Maryland are age, gender, and marital status. Let’s take a look at how each of these stack up with top Emmitsburg car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Emmitsburg, Maryland

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,779 $2,687 $2,629 $2,694 $7,650 $8,897 $2,543 $2,587
GEICO $2,058 $2,248 $2,331 $2,670 $6,273 $7,240 $1,758 $1,880
Liberty Mutual $5,602 $5,602 $5,537 $5,537 $10,926 $16,220 $5,602 $7,564
Nationwide $1,630 $1,636 $1,480 $1,521 $3,781 $4,943 $1,881 $2,023
Progressive $2,285 $2,070 $1,995 $2,032 $8,087 $8,857 $2,671 $2,632
State Farm $1,819 $1,819 $1,663 $1,663 $5,711 $7,323 $2,025 $2,300
USAA $1,774 $1,742 $1,654 $1,648 $3,947 $4,665 $2,042 $2,276

How much do teen drivers pay for car insurance in Emmitsburg, MD?

Emmitsburg, Maryland car insurance rates for teens are often higher than rates for other drivers. Compare Emmitsburg car insurance rates from multiple Emmitsburg, Maryland car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Emmitsburg, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,650 $8,897
GEICO $6,273 $7,240
Liberty Mutual $10,926 $16,220
Nationwide $3,781 $4,943
Progressive $8,087 $8,857
State Farm $5,711 $7,323
USAA $3,947 $4,665

How much do senior drivers pay for car insurance in Emmitsburg, MD?

With a little research, seniors can find affordable car insurance in Emmitsburg, Maryland. Here’s a look at how the top Emmitsburg car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Emmitsburg, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,629 $2,694
GEICO $2,331 $2,670
Liberty Mutual $5,537 $5,537
Nationwide $1,480 $1,521
Progressive $1,995 $2,032
State Farm $1,663 $1,663
USAA $1,654 $1,648

How does coverage level affect Emmitsburg, MD car insurance rates?

How much coverage do you need? Are you comfortable with the Maryland minimum of 30/60/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Emmitsburg, MD car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Emmitsburg, Maryland

Insurance Company Low Medium High
Allstate $3,982 $4,040 $4,153
GEICO $3,211 $3,293 $3,418
Liberty Mutual $7,612 $7,806 $8,054
Nationwide $2,269 $2,368 $2,449
Progressive $3,675 $3,831 $3,979
State Farm $2,891 $3,048 $3,182
USAA $2,351 $2,476 $2,578

How does your driving record affect Emmitsburg, MD car insurance rates?

Safe driving pays off. The more traffic violations you have in Emmitsburg, MD, the higher your car insurance rates will be. Compare rates based on driving infractions from top Emmitsburg, Maryland companies.

Annual Emmitsburg, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,607 $4,746 $3,607 $4,272
GEICO $2,344 $3,654 $4,448 $2,783
Liberty Mutual $5,652 $7,428 $11,094 $7,121
Nationwide $2,085 $2,780 $2,227 $2,356
Progressive $3,271 $4,315 $3,972 $3,757
State Farm $2,730 $3,420 $3,006 $3,006
USAA $1,942 $2,381 $3,461 $2,090

How does a DUI affect Emmitsburg, MD car insurance rates?

With even one DUI on your record, you can see an increase in your Emmitsburg, MD car insurance rates.

Annual Car Insurance Rates After a DUI in Emmitsburg, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,607
GEICO $4,448
Liberty Mutual $11,094
Nationwide $2,227
Progressive $3,972
State Farm $3,006
USAA $3,461

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How does your credit history affect Emmitsburg, MD car insurance rates?

Take a look at the data here to see how your Emmitsburg, Maryland car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Emmitsburg, Maryland

Insurance Company Poor Fair Good
Allstate $5,239 $3,672 $3,263
GEICO $3,747 $3,106 $3,069
Liberty Mutual $11,196 $7,204 $5,072
Nationwide $3,005 $2,141 $1,940
Progressive $4,822 $3,621 $3,042
State Farm $4,448 $2,639 $2,035
USAA $3,286 $2,258 $1,862

How does your commute affect Emmitsburg, MD car insurance rates?

Emmitsburg, MD car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Maryland can be seen here. Remember, though, that you may have to carry substantially more car insurance in Emmitsburg if you’re financing.

Annual Car Insurance Rates by Commute Length in Emmitsburg, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,002 $4,114
GEICO $3,254 $3,361
Liberty Mutual $7,613 $8,035
Nationwide $2,362 $2,362
Progressive $3,829 $3,829
State Farm $2,964 $3,117
USAA $2,393 $2,544

Who has the cheapest Emmitsburg, MD car insurance rates?

Here’s a breakdown of Emmitsburg, Maryland car insurance rates by company. You can see which company offers the cheapest Emmitsburg car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Emmitsburg, Maryland

Category Insurance Company
Teenagers USAA
Seniors Nationwide
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

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What are the top Emmitsburg, MD car insurance companies?

Which Emmitsburg, Maryland car insurance company will best fit your needs and budget? Check out this comparison of the top Emmitsburg companies to find the one for you.

Average Annual Car Insurance Rates by Company in Emmitsburg, Maryland

Insurance Company Average Annual Rates
Allstate $4,058
GEICO $3,307
Liberty Mutual $7,824
Nationwide $2,362
Progressive $3,829
State Farm $3,040
USAA $2,469

What factors affect Emmitsburg, MD car insurance rates?

Why are Emmitsburg, Maryland car insurance rates different than rates in Annapolis or Salisbury? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Emmitsburg, MD?

More time spent behind the wheel can lead to higher Emmitsburg, Maryland car insurance rates. In Emmitsburg, MD, the average commute length is 30.6 minutes.

Car Insurance Quotes for Emmitsburg, MD

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